NOTES – please read
By completing this affordability statement you are agreeing that the lender may search their records for information about you and with credit reference & fraud prevention agencies who will record details of the search, also you are NOT in or about to be entered in a Debt Management Programme, Individual Voluntary Arrangement (IVA), Debt Relief Order (DRO) and are not undisclosed bankrupt at the time of signing. You understand that it is a criminal offence to obtain monies by deception. If you borrow, details of how you conduct your account (including going into default) may be disclosed to the agencies.
Any information provided to the lender or others may be used for making decisions regarding you, members of your financial household or others to whom you are linked financially. Information may also be used for debt tracing, fraud prevention and the prevention of money laundering.
If you are making a joint application in the absence of the other party or if you state a financial association with another person, you are declaring that you are entitled to disclose information about them and to authorise the lender to search, link and record information about you and anyone referred to by you, with credit reference agencies.
This application may be assessed with reference to records of other people with whom you are linked with financially, unless those links have been severed.
You have the right to be told which credit reference agencies the lender has used and a right to obtain a copy of your credit file from the appropriate credit agency.